Top 10+ Best Health Insurance for Visitors to USA
Visiting the United States is a great experience for foreign travelers. However, health insurance is a bit costly if you don’t plan accordingly. We are here to help you find the best health insurance for visitors to the USA.
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Are you planning to visit your children in the United States? Consider buying health insurance. Not only does insurance help you if some unforeseen illness or injury occurs but it might be required by some of the U.S. states as well.
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You may need to present proof of insurance at the embassy, especially if you’re coming from countries like Spain, Germany, Iceland, and France. We know, it is a bit confusing to choose insurance when you have hundreds of options out there but is very crucial to choose the right insurance as per your needs.
We love using the VisitorsCoverage free quote pricing tool as they specialize in insurance plans for individuals visiting the United States. Their free quote pricing will find the right plan for you based on your needs.
As a result, we bring this post for you that will make you aware of some of the best health insurance for visitors to the USA.
Best Health Insurance for Visitors to the USA
1. Atlas America
Atlas America is considered one of the best visitor insurance options. It is a reputable insurance firm licensed and regulated by the Dept. of Insurance in the United States. Atlas America’s claims are handled in the USA.
Administered by HCC MIC, the insurance plan is designed to provide visitor medical insurance coverage and medical emergency services to individuals and families traveling to the USA. It provides you coverage for acute onset of pre-existing medical conditions, but with some limits.
Within the PPO network, you can get up to 100% coverage. Outside the PPO network, the insurance allows you to take medical assistance from a large number of doctors, medical facilities, and hospitals.
The plan offers coverage from $50,000 up to $2,000,000 for pre-existing medical health conditions for those who are under 69.
For ages 70 -79, the insurance pays up to $100,000.
Highlights
- Rated “A” Plan
- Comprehensive Health Insurance plans provide 100% Coverage
- Covers Outside the PPO Network as well.
- Easy to renew and cancel
- Medical coverage during travel
2. Cover America – Gold
Cover America is one of the most popular travel health insurance plans proving 100% coverage after the deductible. This insurance has a myriad of features making it an ideal travel medical insurance option for people visiting America.
Cover America insurance provides coverage against the loss of a passport, border entry protection, missed flights, and return flights.
Apart from this, Health Insurance is also available for the pre-existing health conditions you’re suffering from.
Anyone, who is up to the age of 69 can buy this insurance. The maximum coverage you get under this insurance is $125,000 while for treatments like Cardiac and Stroke, the maximum coverage is $36,000.
Highlights
- Cover America Gold is an “A+” rated plan
- Urgent care copay $20-$25, depending on policy max
- Comprehensive Coverage Plan
- Provides coverage from 5 days to 364 days
- You get a free wellness discount card along with
- Provides coverage for a cruise, border entry, and amusement park
- Total coverage for $125,000 for those who are under the age of 69 and $30,000 for ages 70 to 79
- Comprehensive PPO network in the United State under PHCS
3. Patriot America Plus
Patriot America Plus Insurance is another best visitor insurance for parents visiting the USA. After you pay the deductible, the plan provides you with up to 100% coverage within the United Healthcare PPO Network.
If you choose to get medical care outside this network, the insurance will pay 80% Patriot America Plus Insurance can be taken by non-US citizens, green card holders as well those US citizens who briefly visit the country.
The insurance is designed to cover medical conditions like accidents, injuries, ICU, surgery, MRI, and lab work. Similar to Cover America, this plan covers a time frame between 5 days to 365 days.
Highlights
- Coverage up to $500,000 for acute onset of pre-existing conditions
- Comprehensive coverage plan for international travel
- Easy to renew and cancel
- Medical coverage during travel to mitigate healthcare costs
- PPO Network
4. Liaison Travel Choice
Liaison Travel Choice is counted among the top health insurance plans for visitors to the USA. After all, it pays up to $30,000 for pre-existing health conditions. Moreover, travelers get free discount care which is applicable at most pharmacies in the United States.
After the deductible amount, the insurance plan pays up to 90% within the PPO (Preferred Provider Organization) network while outside the network, it pays up to 80%.
The insurance company pays 90% of the first $5000 and then covers 100% for anything within the network.
Highlights
- It is an “A” rated plan
- Provides 90% to 100% coverage
- Gives up to $30,000 coverage for acute onset of pre-existing conditions
- Renewable and cancellable
- Provide complete medical coverage during travel
- Coverage from 5 to 364 days.
- A great option for family travelers.
5. ChoiceAmerica
If you’re in search of basic travel medical insurance, you may find ChoiceAmerica an ideal option. This visitor insurance plan is managed by IMG (International Medical Insurance).
For those who don’t know what is visitor health insurance, it is a short-term travel medical insurance policy that enables visitors visiting any country to get coverage protection for accidental injury or illness.
What makes this insurance different from other insurance options is that it allows you to visit any doctor or hospital you find best for you.
Moreover, the insurance plan has a pre-defined limit for each medical service that eliminates the guesswork from the equation. The insurance plan also covers cruises and amusement parks in both North and South America.
Note: This plan is not available to US residents. However, a visitor visiting the United States from any country can take advantage of this plan.
Highlights
- You get a set amount per happening up to the policy maximum
- It is an affordable insurance plan but comes with fewer benefits comparatively
- Provides coverage from five days up to one year
- Limited pre-existing condition coverage
- Offers coverage for amusement parks and adventure sports injuries
- Offers coverage for essential travel documents such as a passport.
6. International Major Medical
The International Major Medical Plan is administered by PIU Lloyd’s of London. If you need to purchase short-term visitors’ medical insurance to visit the United States, you may consider this option as well.
It is intended to provide coverage to those people temporarily working in the United States, new immigrants, and short-term visitors to the USA.
The insurance plan gives coverage from 10 days to 11 months. With this plan, you get the policy from $50,000 to $1,000,000. The insurance policy is quite popular among the age group of 70 years to 84 years.
The company quickly accepts and approves the application. As soon as you pay for it your insurance is confirmed right away. We recommend using VisitorsCoverage to get the best possible price on this medical plan.
Highlights
- Comprehensive coverage plans that provide coverage from 10 days to 11 months.
- Urgent care
- Medical coverage during travel
- 100% up to the policy maximum
7. Patriot Platinum Insurance
Administrated by IMG, Patriot Platinum is a travel medical insurance plan that covers all the essential expenses from traditional travel insurance. It is a good plan for senior citizens aged between 70 to 79 years. The insurance plan has been receiving good feedback and reviews from customers.
All its claims are handled in the United States. Within the POP network, the insurance plan compensates up to 100%, while out of network, you get 90% of the first $5,000 and then 100% up to the policy maximum, additionally, for sudden and unexpected recurrence of a pre-existing condition.
Highlights
- Complete coverage for pre-existing medical issues & urgent care
- Coverage is available for 5 days to 1 year
- You can renew and cancel it at your convenience
- Comprehensive coverage plan
- Provides satisfying treatments within the PPO network
8. Inbound USA Insurance
This limited coverage insurance plan covers non-US citizens paying a short visit to the United States. Since it is a basic plan, it won’t provide the benefits of full-fledged plans. It is a low-cost insurance plan that pays coverage per incident.
Inbound USA Insurance can’t be used by US citizens who are green card holders and traveling in and out of the USA. Since it is a limited coverage plan, it will only pay up to a certain amount for each treatment.
In case the bill goes beyond that amount, you will need to take care of the expenses yourself.
If you’re looking for an affordable, basic plan you may consider it.
AM Best (a popular US-based rating company) has given it an A rating.
Highlights
- Administrated by Seven Corners (A well-known reputable insurance administrator)
- Rated “A” by AM Best and A+ by Standard & Poor’s
- A highly rated travel insurance company
- Any non-us citizens traveling to America can leverage this plan
9. Visitors Care Insurance
Visitors Care is another best low-cost insurance plans for parents, in-laws, and other relatives traveling to the U.S. International Medical Group manages this insurance while Sirius International Insurance Corporation underwrites it.
The insurance provides instant coverage for insurance policies of $100,000, $50,000, or $25,000. As per your requirement, you can purchase the insurance from 5 days to 1 year and can renew it for up to 2 years.
Visitors Care is available for immediate coverage The good thing is, it is easy to renew and cancel. If you need to cancel this insurance, you will get a full refund before the effective date of the policy.
After the effective date, you will receive funds on a pro-rated basis, minus a $25 cancellation fee. Since this is the basic insurance plan, it pays you a fixed amount for each and every procedure. And you would be accountable to pay the difference out of your own pocket.
Highlights
- Basis coverage plan
- Coverage from 5 days to 364 days
- Medical coverage during travel
- You can renew and cancel it anytime
- Coverage for pre-existing medical conditions
10. Safe Travels USA Insurance
Safe Travels USA Insurance is an ideal health insurance plan for foreign visitors who are 80 and above. This comprehensive coverage plan is administered by Trawick International, a well-known US & International travel insurance provider.
Safe Travels USA Insurance plan is designed to cover up to the first $1000 of covered expenses for the unseen recurrence of already-existing medical conditions.
Although you have options to choose from limited coverage plans, it is advisable to choose a comprehensive plan that will give you better protection throughout your entire trip. The insurance plan covers 100% of the policy maximum within the preferred provider organization network.
When you visit the provider within the first health PPO network, a deductible is waived, regardless of which deductible you choose. And when you visit urgent care, you pay a $30 copay. Besides this, Safe Travels USA insurance also provides coverage for $50,000 in new medical conditions.
Highlights
- B+ rating (AM best rating), not the highest-rated insurance
- Medical coverage during travel
- 80% up to the policy maximum after deductible
- Affordable and good for international students
What Does Visitor Medical Insurance for the USA Include?
Visitors insurance usually covers someone who becomes sick while on vacation and is injured during the trip.
Emergency medical expenses
Visitors insurance covers all new injuries or illnesses that might occur during the period following the effective date of the policy. In the United States, medical expenses have increased significantly.
The fixed coverage plan has a restricted scope of benefits, but the comprehensive coverage is covered by percentages (80%, 99%, etc.).
Acute onset of pre-existing conditions
In some countries, visitor insurance coverage provides for the acute onset of pre-existing conditions for a limited number of people under the age. It can be extremely beneficial for a visitor who suffers from preexisting ailments in the United States.
This policy only covers sudden emergency situations and does not cover regular maintenance of previously-awaited conditions.
Accidental death & dismemberment
This protection will pay you if you are unable to recover from an accidental injury and are killed by another person.
Several travel insurance plans offer coverage only for travel on aircraft, cab, or train. Medical expenses are quite expensive in the United States, so ensure you find one of the best travel medical insurance places before your visit to the US.
